PLEASE, share your thoughts and personal experiences. I had my, "free consultation" today and am still scared to death about filing. The lawyer just made it sound too easy to get out of this debt.

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I was worried too, but we got our discharge last week, and everything went through without a hitch. It's best if you haven't used your credit cards for at least 90 days.

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Here is the relevant information for you in Question & Answer format: -
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Source: - "http://www.consumerrightsgroup.com"

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There is really nothing to be scared about. Bankruptcy for most is more of a relief....it takes a heavy burden off your shoulders. Comparing it to creditors calling and abusive collectors, it is relatively painless.

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Can someone please give some advice?

My combined income with husband before divorce was 100k ( mine 30 and his 70) Now we are going thru divorce. My own personal credit card debts are 140k - these are strictly unsecured. no other secured debt. these are mine - individual debts.
His own - individual debts are also 110k. after divorce my income reduces to 30k - which is below state poverty limit - I will pass means test I am sure -

can the credit companies challenge my discharge - saying I lied on application - there is NO paper I signed which said my income was 100k - it was all verbal - saying my combined household income was 100k - when I got credit cards.
BTW - my debts are due to the fact - my Late mom was ill before she died - I did all expenses - plus my dad - started living with us - my cousin brother was also supported by me -
please advise

Varsat

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Hello Varsat -

If you obtained those credit cards while you were still married, then you didn't lie on the applications - because at that time, your household income was 100K, as you said.

There would be no reason for the credit card companies to challenge your filing or discharge - the credit card companies are not usually the ones that challenge a bankruptcy.

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__________________
A journey of a thousand miles begins with a single step...and becoming debt free is a journey!

Who would challenge the bankruptcy if not the credit card company?

What happens if you were a little 'optimistic' with your stated income on your cc application? Working on commission can be feast or famine.

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